What to do when disaster strikes
Getting her driver’s license, buying a car, insuring the vehicle are natural stages in the life of a driver. However, coping with a disaster is not something that we are preparing. So what if the unexpected happens?
1. Loss: manual
A loss includes damage, or injury resulting compensation. In an automobile accident, play your insurance and guarantees of your contract.
When to use the findings to the court? Always. You should always provide a friendly observation form to your auto insurer in order to report your claim. Make sure you always have a copy in your car and your home to prepare for any eventuality.
2. You have a few days to report your claim
There are time limits for notification of a claim to respect. 5 days, the time you have to send to your insurance company all information regarding your claim. In case of theft or attempted theft, your return must be within 2 days.
To be compensated quickly, you will need to provide some information to your insurer. Remember to provide the following by being as specific as possible:
- Dates, times and specific location of the incident
- The names and contact information of the insured and those involved in the accident
- A description of the circumstances of the loss and damage
The accident report form will help provide the essentials for your return.
Attention, never start repairs on your damaged vehicle. If you are not responsible for the perceived loss, you should see the damage done by an expert.
All about the accident report
At the time of the accident, he must think and remain calm in all cases, complete an accident report (even for small damage). In case of injury, this finding will be completed trial record established by the police.
The joint document is irrevocable, that is to say, once signed by two parties:
* It can not be changed,
* It is binding on both parties, in other words, no party may assert that the reality is different from the observation that it has signed.
Fill it with vigilance, review it carefully before signing.
An observation well completed facilitates the work of insurers and thus speeds up the processing of your application.
Essential Elements of an accident
Three essential elements are the findings:
The crosses used to determine the responsibility of each driver,
The design can provide additional information if no box is checked,
The observations provide additional explanations and describe the nature of the dispute.
Identifying information (name, address), used by insurers, to be completed.
Some advice about the accident
* Read the user manual of an accident.
* Fill the scene of the accident, the finding with a ballpoint pen so that the two parties have a readable version.
* Indicate if there are witnesses and state their coordinates.
* Indicate the number of boxes checked for each driver.
* Answer all questions.
* Establish carefully drawing (in case of inconsistencies between design and ticks, it is the cross that will prevail).
* To sign the statement by the two parties.
* Fill in the comments section (in case of disagreement with the opponent, state here).
* Do not change the fact that once the leaves are separated.
The papers always have with you:
At any time, the driver of a vehicle shall submit, in a review of papers by a sworn officer, the originals of the following papers:
* Gray card
* Insurance Certificate (Green Card)
* Proof of roadworthiness for vehicles over 5 years
A failure to submit these papers, the driver may face fines standard.
What if a car accident?
In case of traffic accident, you have 5 days to report the accident to your insurer by telephone, in writing or moving. Enter the date, time and specific location of the accident.
You must also do everything in your power to limit the consequences of the disaster, save the insured property and then ensure their conservation.
Whatever the damage, or injury, complete an accident report form. This document is essential for rapid settlement of claims. You should always keep a blank copy in the vehicle.
Upon receipt of the statement, the insurer shall designate an expert to assess the amount of compensation. Expertise generally takes place within a week or a fortnight after the declaration of the accident. The insurer typically sets a limit below which the vehicle repairs may be made before sending the expertise.
If you purchased a warranty damages, you are responsible for the accident or not, you will be compensated for all costs incurred for the repair of your vehicle, and at the height of the market value of the vehicle. In some cases, the insurer may have a value of repair exceeds the market value. If this is your case, this is indicated in general or specific provisions of your contract.
If you have not taken damage and guarantee if you are responsible for the accident, you will not receive any compensation. If you have not taken damage and guarantee if you are not at fault, you will be compensated to the extent of the replacement value of the vehicle.
Compensation for injury is always preceded by a medical expert.
The amount of compensation depends on the material damage and bodily injury.
Passengers are compensated by the insurer of the owner of the vehicle in which they were in the accident. This means that the owner’s liability insurance covers the vehicle’s passengers.
Tips for maintaining your car
When was the last discharge of your car? By how long will he change your tires, brake pads or spark plugs? Difficult to make the situation since the last visit to your mechanic?
And yet, not to stay another day to rest on its side of the highway, you’d better take care of his vehicle. Coupe, sedan, wagon or convertible – whatever the model of your car, you should check the following items: tire pressure, coolant, brake fluid, oil level, battery charge.
Maintenance and repair of motor vehicles
The maintenance and possible repair of your car can weigh heavy on your budget car but it is nevertheless a necessary expense. Mechanic, car dealer, service station or control center technical service professionals will inspect your auto car wiper motor on through traffic lights and detect repairs and spare change.
A properly maintained vehicle reduces the risk of breakdown or accident, because it reacts best in a difficult situation.
In addition, regular maintenance of your car keeps your assets, since the resale value of the car will be even better.
How to maintain the car engine?
Frequently check the oil level at least once a week. To do this, the car must be parked to the horizontal and the engine stopped for 1 / 4 of an hour. On the gauge, the optimum oil level is near the maximum, but he shall in no case exceed it.
For some vehicles, a slight oil consumption is normal. It is imperative to follow the recommendations of the manufacturer instructions.
In general, discharge is carried out every 7500, 10,000 or 15,000 miles, depending on the brand. The oil filter, which traps the impurities must be changed every oil (diesel) or every two oil changes.
Petrol or diesel?
Whether your car is equipped with a petrol or diesel, the ideal is to do a review of the vehicle every 8 months. Beyond the control technology or the traditional drain, there are a number of things to check: change the oil filter, pollen filter, check the battery status, watch the brake fluid, check the belt distribution and connectors.
Every 3 years or 60,000 miles, change the spark on gasoline engines and the fuel filter on diesel engines. Remember that a dirty filter or old spark plugs can cause excessive fuel consumption both harmful to your engine and … your wallet!
Be alert to early signs of weakness in your engine: it may be time to go through your garage for an inspection.
Must frequently check the level of coolant, which must be between the min. and max. appearing on the expansion tank. Do not hesitate to redo the backup, of course when the engine is cold.
We control the level of coolant directly into the radiator if the car has no expansion tank. Once again we must wait until the engine is cold.
A cracked hose must be replaced immediately.
It must be properly stretched and must not be frayed or cracked.
Candles: It is advisable to check their condition regularly. They must be replaced every 20,000 km of new plugs of the same type. If you’re not a great handyman, it is advisable to entrust this operation to a specialist.
Battery: one must regularly check the fluid level. It is recommended where appropriate to fill the battery with a specific liquid. To avoid startup problems, it is advisable to occasionally clean the battery terminals.
It is advisable to change the wipers every year at the beginning of winter, and in any event, once they leave marks on the windshield. The level of windshield washer fluid should be checked regularly.
It should be checked about every 20 000 km of preference on a special bench.
Besides the frequent checking of the level of brake fluid that may detect wear of brakes or a leak, it must be regular change of brake fluid which eventually deteriorate with time. This must necessarily be entrusted to a specialist.
They must not have cuts or tears. Check for wear of the tread, it should be regular. Otherwise, this would lead to a geometry problem of being concerned in or out.
This must be checked every 15 days. Corrections and checks must be made when the tires are cold. Do not hesitate to overinflate slightly (about 200 g) when the car is loaded or during a long journey on the motorway.
This must be maintained consistently. A regular and thorough washing is the best guarantee of longevity.
In this regard, we can only recommend washing jet pressure increasingly common in the larger stations and maintenance garages approved.
If you find any loose chippings or appearances of shells, you have to run a quick repair job to prevent rust sets in permanently.
Lighting and visibility
The fires should be checked periodically and particularly that of stops. Do not hesitate to replace a defective bulb, like a light bulb whose brightness is not perfect. It is also advisable to change lenses quickly cracked as the water percolates very quickly and cause damaging oxidation in the proper functioning of lights.
It is recommended to have always carried a box of replacement bulbs.
A few simple tricks
The quality of current vehicles, due to regular maintenance allows motorists to drive safely. Nevertheless, there are operations very easy to make and to avoid a few problems.
Battery: If your car is parked for a long time, it is advisable to disconnect the battery to prevent it from discharging.
Windshield: to prevent the condensation forms inside.